I also feel that planning is like the most important factor because when you plan, other step would be easy all that would be required next is taking actions on the said plans.You are absolutely right with your view about post service life of retirees when it comes to what to do thereafter. I believe enough plannings should have been put in place before this time so as to synchronize with income per time factor. A business such as agriculture would help in most cases. Agribusiness is very safe.